PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U.S. Bank Trust National Association

San Francisco, CA · Cert 33626

FDIC

Q4 2001

$159.8MAssets
n/aLoans
n/aDeposits
$152.9MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $1KQ1 2000Q4 2001

Executive Summary

  • Earnings: ROA of 9.91%, up 513 bps year over year; NIM at 1.38%.

Return on Assets (quarter, annualized)

9.91%+513 bps YoY

Net Interest Margin (quarter, annualized)

1.38%

Efficiency Ratio (quarter, annualized)

50.20%

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.96%Q1 ’011.97%Q3 ’011.38%Q4 ’01-33%-30%

Non-interest income vs. expense

17.80%Q1 ’0116.53%Q3 ’0115.80%Q4 ’01-230%-97%

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.28%2.98%3.89%4.78%3.24%3.63%5.76%9.91%+513 bps
Return on Equityn/an/an/an/an/a3.80%6.03%10.36%n/a
Net Interest Marginn/an/an/an/a2.96%2.38%1.97%1.38%n/a
Efficiency Ration/an/an/an/a77.51%73.45%64.14%50.20%n/a
Non-Interest Burdenn/an/an/an/a-2.20%-3.61%-7.27%-14.30%n/a
Growth
Asset Growth (YoY)3.49%3.46%3.05%4.38%4.43%4.77%5.08%5.63%+125 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a361%351%373%384%n/a
Equity / Assetsn/an/an/an/a95.55%95.61%95.61%95.64%n/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%48.56%48.96%51.62%52.71%+5,271 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a